Philadelphia Contributionship
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Philadelphia Contributionship (TPC) remains a personal-lines property-focused carrier distributed through independent agents, with current service footprint shown as Pennsylvania, New Jersey, Delaware, Maryland, and Virginia. Publicly available underwriting guidance on the official site is limited; the main verified underwriting page is an inquiry/documentation landing page rather than a full appetite guide. Current agent-facing materials indicate a home-focused appetite with homeowners and investment/landlord property business in its footprint. The clearest published underwriting detail is for High Value Home business: homes with Coverage A replacement cost of $1.0M-$2.0M are eligible for this segment, but require tighter review; any risk with Coverage A $1.5M or higher must be submitted unbound to underwriting for referral. For this segment, Protection Classes 9, 10, and 10W are ineligible; form types shown are HO3, HO5, and FC (FC available in Pennsylvania only); replacement cost is validated by internal inspection; peaked roofs must be 10 years old or newer and flat roofs updated within 10 years; occupancy is limited to 1-2 units for $1.0M-$1.499M and single-family only for $1.5M-$2.0M; loss history is restricted to one CAT loss in the prior 5 years for $1.0M-$1.499M and no losses in the prior 5 years for $1.5M-$2.0M; minimum deductibles are $5,000 or 0.5% of Coverage A depending on segment; required protection devices include central station fire alarm, central station burglar alarm, Ting electrical arcing sensor, and for higher-tier homes smart water leak detection with inline shutoff. Additional age-of-home eligibility varies by ZIP code for some segments, with one published note that GIC eligibility for the higher tier is 1980 or newer unless down-to-the-studs renovated. Submission/processing notes: TPC states new business may be contacted shortly after binding as part of standard underwriting practices, and in most cases a visual inspection is necessary, either through an inspection partner or self-guided Flyreel inspection. Agent operational guidance is more robust than public appetite guidance: underwriting questions can be submitted through the underwriting documentation inquiry/contact form; proof of repairs or occupancy should be attached in The Key and tagged to the underwriter team; broker-of-record changes must be sent to the underwriting team or via the underwriting contact form before the effective date, ideally 30-45 days before renewal; new producers require a Producer Appointment Form and licenses sent to the assigned ADM; IVANS and ACH setup are handled through the ADM. Overall practical read: preferred business appears to be standard owner-occupied and related residential property risks within TPC's Mid-Atlantic footprint, while higher-value homes, adverse protection classes, older/flat-roof concerns, recent losses, and out-of-guideline characteristics trigger referral or ineligibility based on the limited published materials.